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OneDegree HK

Enroll on or before 30 June 2024 to enjoy 20% off your first year’s premium!

OneDegree HK

The one and only Pet CEO Plan® in town

Only pet insurance in town with absolutely no sublimits

If your pet is 1 year old or older at the time of enrollment, you can receive reimbursements for eligible expenses up to 90%**.

Medical coverage up to HKD 100,000

Pet CEO Plan® provides medical coverage in up to HKD 100,000 annually, and covers all registered vets in Hong Kong.

Insure before age of 11 and enjoy no age limit on renewal

With Pet CEO® Plan, cats and dogs up to age 11 of any breed can apply for a policy. There’s no age limit on renewal^.

Lifetime coverage for chronic illnesses

We provide lifetime coverage of chronic illnesses to pets that enrolled at or before age 4, including allergies, chronic kidney failure, and cancer.

Cash benefit for cancer HKD10,000

A HKD 10,000 one-off cash if your furry one does get cancer unfortunately. That’s in addition to the medical costs we cover.

Supplementary Critical illness cash benefit HKD10,000

Qualified pets can add coverage for CI, such as epilepsy, limb paralysis, or dislocation of the patella.

Enter your pet's info and get a quote instantly

Your furry friend is a
Dog
Cat
Gender
Girl
Boy
Pet Age
Pet Age
Breed
Breed
British ShorthairDomestic Short Hair (DSH)Exotic ShorthairRagdollAmerican ShorthairPoodle
Promo Code

Choose your plan

Monthly Premium
Annual Premium
Essential-
Plus-
Ultra-
Annual Coverage
Reimbursement Rate
Insured age at Age 1 or above: Network Clinic 90% | Non-Network Clinic 70%, 13 weeks to 11 months: All HK registered vets50%
Surgery
Overnight Hospitalization
X-Ray & Ultrasound
Lab Test
Medication
Consultation
Specialist Consultation
Cancer Cash
Additional lump sum
OneDegree HKOptional
$HKD - /mo
Receive Critical Illness Cash Benefit
Receive HKD10,000 cash upon diagnosis of any of the following conditions:
Epilepsy
Quadriplegia caused by Accidents or Diseases
Patellar Luxation (Dislocation)
Essential
HKD
-
/mo
-
HKD
30,000
HKD
10,000
HKD
10,000
Plus
HKD
-
/mo
-
HKD
40,000
HKD
10,000
HKD
10,000
OneDegree HKHighest Coverage
Ultra
HKD
-
/mo
-
HKD
100,000
HKD
10,000
HKD
10,000
Product Brochure
Download a Sample Policy
1. There is a waiting period of 28 days from the policy start date for accidents and illness before coverage takes effect. The waiting period is 180 days for cancer and critical illness cash benefit.​ ​
2. Calculation of the insured age: Insured age is based on your pet's age at its last birthday. For example, if the pet is 1 year and 10 months old, please select 1 year old; if the pet is less than 1 year old, please select 13 weeks to 11 months, and so on.

What’s not covered?

Like other pet insurance on the market, non-covered items include but are not limited to:
1. Pre-existing conditions that exist or occur before or during the insurance waiting period.
2. Congenital medical conditions
3. Oral or periodontal diseases
4. Expenses incurred due to neutering or pregnancy.
5. Optional/preventive treatment
Please see the complete list here.
Pet Insurance is underwritten by OneDegree Hong Kong Limited, which is authorised and regulated by the Insurance Authority of the Hong Kong SAR.

Why do you need pet insurance?

OneDegree HK

Do you know that it costs HK$680,000* to raise a pet for its entire life? Veterinary fees and medication expenses account for 17.2% of that cost!

Insurance can protect against unknown medical expenses for pets, relieving your stress

Common diseases
Coverage
OneDegree HK
Ingestion of foreign objects
May require surgery
Non-stop vomiting

Average medical expenses

HKD21,387
OneDegree HK
Uterine abscess
Be cautious if not neutered
Common in middle-aged and elderly

Average medical expenses

HKD9,665
OneDegree HK
Pulmonary edema
Feels like drowning
Prone to recurrence
High risk for cardiovascular disease patients

Average medical expenses

HKD9,665
OneDegree HK
Pulmonary infection
Pleural cavity with pus
Difficulty breathing

Average medical expenses

HKD46,967
OneDegree HK
Urinary tract infection
Blood in urine
Frequent urination with small volume

Average medical expenses

HKD9,673
OneDegree HK
Gastric dilation-volvulus syndrome
Commonly known as GDV
Deterioration occurs quickly​

Average medical expenses

HKD9,665
OneDegree HK
Atlantoaxial dislocation
Neck pain
Difficulty in bending the head downward

Average medical expenses

HKD9,673
OneDegree HK
Humerus fracture
Fractured front paw
Possibly caused by external impact

Average medical expenses

HKD46,967
OneDegree HK

Diagnosis

General, Specialist and 24-hour clinic consultation fee

OneDegree HK

Laboratory test

X-ray and ultrasound, blood and urine testing, stool examination, histopathology (tissue biopsy) testing, and fine needle aspiration (FNA) testing

OneDegree HK

Prescription medication

Costs for prescription medications, bandaging, and injectable medications prescribed by a registered veterinarian

OneDegree HK

Surgery

Surgical fees and related expenses

OneDegree HK

Overnight hospitalization fee

The overnight stay refers to hospitalization time extending beyond midnight; if admission and discharge occur on the same day, it is not covered within the scope of protection

OneDegree HK

Cancer and supplementary critical illness cash benefit​

Additional lump sum cash benefit

Protect the health of your furry kid

Cases and claims

Cases
How to file a claim
OneDegree HK

In March, the owner purchased the Pet CEO Plan® for Takoyaki, a 1-year-old short-haired cat.

OneDegree HK

In September, Takoyakil experienced hair loss, redness, and other issues. The owner took Takoyakil to a veterinarian within the OneDegree network for consultation, and it was ultimately diagnosed with atopic dermatitis.

OneDegree HK

Atopic dermatitis is a chronic condition that involves various expenses for diagnosis, treatment, laboratory tests, and medication. During the policy period, the owner spent a total of HK$30,000.

OneDegree HK

Fortunately, the owner had purchased Pet CEO Plan® for Takoyaki, which allows for a maximum claim of 90% for visits to network clinics. As a result, the owner only needed to bear:

HKD3,000
HKD30,000 - (HKD30,000 X 90%)
OneDegree HK

In August, the owner purchased the Pet CEO Plan® for Pumpkin, a 3-year-old Shiba Inu.

OneDegree HK

In February, Pumpkin continuously vomited and showed a loss of appetite due to ingesting a foreign object (a sock). The owner took Pumpkin to an emergency veterinary clinic, where the veterinarian immediately conducted X-rays and other examinations. It was determined that Pumpkin had an intestinal obstruction and required surgery.

OneDegree HK

Including laboratory fees, X-rays, consultation fees, medication, hospitalization costs, and surgical expenses, along with follow-up consultation fees, the medical expenses for Pumpkin's intestinal obstruction amounted to HKD62,000.

OneDegree HK

Due to Pumpkin's coverage under the Pet CEO Plan® and the ability to claim up to 90% when visiting network clinic, the owner only needed to bear:

HKD6,200
HKD62,000 - (HKD62,000 X 90%)
OneDegree HK

The owner started purchasing the Pet CEO Plan® for Miumiu, a British Shorthair cat, 3 years ago.

OneDegree HK

After 3 years, Miumiu developed swelling and discharge in the breast tissue, requiring treatment at the veterinary clinic. After undergoing X-rays and tissue biopsy examinations, it was determined that Miumiu had been diagnosed with breast cancer due to not being spayed. She needed to undergo surgery for tumor removal and receive chemotherapy.

OneDegree HK

The total medical expenses for Miumiu (including surgery and hospitalization costs, among others) amounted to HK$95,500. Since Miumiu received treatment from our network clinic, the pet owner can claim up to 90% of the expenses. Therefore, the owner only needs to bear HKD9,550.

OneDegree HK

Additionally, Miumiu is eligible for a cancer cash benefit of up to HKD10,000, allowing the pet owner to freely arrange how to support Miumiu through this difficult time.

HKD$9,550
HKD95,500 - (HKD95,500 X 90%)
OneDegree HK

In March, the owner purchased the Pet CEO Plan® for Takoyaki, a 1-year-old short-haired cat.

OneDegree HK

In September, Takoyakil experienced hair loss, redness, and other issues. The owner took Takoyakil to a veterinarian within the OneDegree network for consultation, and it was ultimately diagnosed with atopic dermatitis.

OneDegree HK

Atopic dermatitis is a chronic condition that involves various expenses for diagnosis, treatment, laboratory tests, and medication. During the policy period, the owner spent a total of HK$30,000.

OneDegree HK

Fortunately, the owner had purchased Pet CEO Plan® for Takoyaki, which allows for a maximum claim of 90% for visits to network clinics. As a result, the owner only needed to bear:

HKD3,000
HKD30,000 - (HKD30,000 X 90%)
OneDegree HK

In August, the owner purchased the Pet CEO Plan® for Pumpkin, a 3-year-old Shiba Inu.

OneDegree HK

In February, Pumpkin continuously vomited and showed a loss of appetite due to ingesting a foreign object (a sock). The owner took Pumpkin to an emergency veterinary clinic, where the veterinarian immediately conducted X-rays and other examinations. It was determined that Pumpkin had an intestinal obstruction and required surgery.

OneDegree HK

Including laboratory fees, X-rays, consultation fees, medication, hospitalization costs, and surgical expenses, along with follow-up consultation fees, the medical expenses for Pumpkin's intestinal obstruction amounted to HKD62,000.

OneDegree HK

Due to Pumpkin's coverage under the Pet CEO Plan® and the ability to claim up to 90% when visiting network clinic, the owner only needed to bear:

HKD6,200
HKD62,000 - (HKD62,000 X 90%)
OneDegree HK

The owner started purchasing the Pet CEO Plan® for Miumiu, a British Shorthair cat, 3 years ago.

OneDegree HK

After 3 years, Miumiu developed swelling and discharge in the breast tissue, requiring treatment at the veterinary clinic. After undergoing X-rays and tissue biopsy examinations, it was determined that Miumiu had been diagnosed with breast cancer due to not being spayed. She needed to undergo surgery for tumor removal and receive chemotherapy.

OneDegree HK

The total medical expenses for Miumiu (including surgery and hospitalization costs, among others) amounted to HK$95,500. Since Miumiu received treatment from our network clinic, the pet owner can claim up to 90% of the expenses. Therefore, the owner only needs to bear HKD9,550.

OneDegree HK

Additionally, Miumiu is eligible for a cancer cash benefit of up to HKD10,000, allowing the pet owner to freely arrange how to support Miumiu through this difficult time.

HKD$9,550
HKD95,500 - (HKD95,500 X 90%)
OneDegree HK
1

Diagnosis

General / Specialist / 24-hour clinic consultation fee

OneDegree HK
2

Submit a claim

Submitting a claim is very simple. Just take a photo of the receipts and other relevant documents, upload them to the website, and answer a few simple questions to complete the claim application.

OneDegree HK
3

Receive compensation

For any successful claim application, the compensation amount will be directly deposited into the bank account you provide.

1

Diagnosis

General / Specialist / 24-hour clinic consultation fee

OneDegree HK
2

Submit a claim

Submitting a claim is very simple. Just take a photo of the receipts and other relevant documents, upload them to the website, and answer a few simple questions to complete the claim application.

OneDegree HK
3

Receive compensation

For any successful claim application, the compensation amount will be directly deposited into the bank account you provide.

OneDegree HK

Experience the fast claims process of Pet CEO Plan® now

Frequently asked questions

Terms and Conditions

  1. This promotion is valid from now until 30 June 2024 ("Promotion Period").    
  2. OneDegree’s system will automatically apply the 20% premium discount (“Offer”) on Pet Insurance to applicable plans and payment mode and display it on the website.    
  3. The discounted premium will be rounded to the nearest whole number during quotation for display purposes. The actual premium payable will be shown at checkout and shall be the final amount.    
  4. Only the applicants who do not currently hold any effective Pet Insurance and have not held any effective Pet Insurance policy(ies) in the past 3 months from the date of application of the Pet Insurance are eligible for this promotion.   
  5. The Offer is only applicable to premiums for the first year of a policy.     
  6. For details of coverage, terms, conditions, and exclusions of Pet Insurance, please refer to the policy wordings.   
  7. OneDegree may terminate this promotion without notice. All matters or disputes in relation to the promotion and the interpretation of terms and conditions shall be subject to the decision of OneDegree, which shall be final and binding.  
  8. In case of any discrepancy between the English and Chinese versions, the English version shall prevail. 
Note
**At enrollment, if your pet has been 1 year old or above in its last birthday, you can get reimbursements up to 90%* of eligible expenses while other registered vets that are not on this list, the reimbursement rate is 70%*, and subject to policy wording.
^ OneDegree reserves the right of underwriting for all insurance applications.
* OneDegree commissioned Ipsos, an independent market research firm Ipsos, to conduct a “Hong Kong Pet Spending Survey” on February 2024. The total general and medical expenses incurred over a pet’s assumed 14-year lifespan, calculated based on the responses from surveyed pet owners with pet insurance.​